Call reports 2015
PRESENCE BANK — 2015
What PRESENCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 201,379,000 | 201,938,000 | 198,068,000 | 200,643,000 |
| Total loans | 161,342,000 | 161,488,000 | 162,235,000 | 162,066,000 |
| Allowance for loan losses | 1,502,000 | 1,568,000 | 1,618,000 | 1,511,000 |
| Securities available for sale | 24,757,000 | 23,962,000 | 22,704,000 | 22,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,392,000 | 171,414,000 | 170,457,000 | 173,244,000 |
| Interest-bearing deposits | 156,823,000 | 161,432,000 | 161,542,000 | 162,786,000 |
| Noninterest-bearing deposits | 9,569,000 | 9,982,000 | 8,915,000 | 10,458,000 |
| Equity capital | 16,633,000 | 17,216,000 | 17,475,000 | 17,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,087,000 | 4,551,000 | 6,590,000 | 8,618,000 |
| Interest expense | 654,000 | 1,231,000 | 1,742,000 | 2,167,000 |
| Net interest income | 1,433,000 | 3,320,000 | 4,848,000 | 6,451,000 |
| Noninterest income | 111,000 | 525,000 | 642,000 | 754,000 |
| Noninterest expense | 1,597,000 | 2,965,000 | 4,284,000 | 5,686,000 |
| Provision for loan losses | 52,000 | 120,000 | 171,000 | 171,000 |
| Pretax income | -105,000 | 760,000 | 1,035,000 | 1,348,000 |
| Income tax | -46,000 | 143,000 | 228,000 | 300,000 |
| Net income | -59,000 | 617,000 | 807,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,725,000 | 16,608,000 | 16,891,000 | 17,182,000 |
| Total capital | 17,232,000 | 18,177,000 | 18,513,000 | 18,693,000 |
| Risk-weighted assets | 136,234,000 | 137,242,000 | 137,740,000 | 137,493,000 |